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Midland States Bank Rates & Review November 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: November 5, 2026

Midland States Bank's money market rates are at 3.25%. Midland States Bank's money market rates are 347% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Midland States Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.50%. Rates last updated and verified on 11/05/2026.

Midland States Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Midland States Bank? Share your experience about Midland States Bank by leaving a review below, or read customer reviews before you decide to use Midland States Bank.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A
Excellent Health Score: 95/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
9.50%
Excellent Higher than avg
Health Trend ?
Steady 12 quarters
Full history ›
Midland States Bank
1201 Network Centre Dr
Effingham, IL 62401
https://www.midlandsb.com
MemberFDIC
Customer Reviews
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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Midland States Bank Money Market Rates

Product Rate APY View More
Money Market Account - Relationship - 3.25%
Min Deposit $2,500
Min Balance $25,000
Details Balance: $25,000-$249,999.99; Relationship APY requires an eligible Midland High Yield Checking account with at least one common owner
Last Updated 11/05/2026
Rate History
No change since Oct 28, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Oct 28, 2026: 3.25% APYOct 28, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.50%
Money Market Account - Relationship - 3.25%
Min Deposit $2,500
Min Balance $250,000
Details Balance: $250,000-$999,999.99; Relationship APY requires an eligible Midland High Yield Checking account with at least one common owner
Last Updated 11/05/2026
Rate History
No change since Oct 28, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Oct 28, 2026: 3.25% APYOct 28, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.50%
Money Market Account - Relationship - 3.25%
Min Deposit $2,500
Min Balance $1,000,000
Details Balance: $1,000,000 and above; Relationship APY requires an eligible Midland High Yield Checking account with at least one common owner
Last Updated 11/05/2026
Rate History
No change since Oct 28, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Oct 28, 2026: 3.25% APYOct 28, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.50%
Money Market Account - Relationship - 1.38%
Min Deposit $2,500
Min Balance $10,000
Details Balance: $10,000-$24,999.99; Relationship APY requires an eligible Midland High Yield Checking account with at least one common owner
Last Updated 11/05/2026
Rate History
No change since Oct 28, 2026 · 1.38% APY · checked 3 times
0.88%1.38%1.88%Oct 28, 2026: 1.38% APYOct 28, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.50%
Money Market Account - Relationship - 1.06%
Min Deposit $2,500
Min Balance $0
Details Balance: $0.01-$9,999.99; Relationship APY requires an eligible Midland High Yield Checking account with at least one common owner
Last Updated 11/05/2026
Rate History
No change since Oct 28, 2026 · 1.06% APY · checked 3 times
0.56%1.06%1.56%Oct 28, 2026: 1.06% APYOct 28, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.50%
Money Market Account - 0.16%
Min Deposit $2,500
Min Balance $1,000,000
Details Balance: $1,000,000 and above; Standard APY
Last Updated 11/05/2026
Rate History
No change since Oct 28, 2026 · 0.16% APY · checked 3 times
0.00%0.33%0.66%Oct 28, 2026: 0.16% APYOct 28, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.50%
Money Market Account - 0.13%
Min Deposit $2,500
Min Balance $250,000
Details Balance: $250,000-$999,999.99; Standard APY
Last Updated 11/05/2026
Rate History
No change since Oct 28, 2026 · 0.13% APY · checked 3 times
0.00%0.32%0.63%Oct 28, 2026: 0.13% APYOct 28, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.50%
Money Market Account - 0.10%
Min Deposit $2,500
Min Balance $25,000
Details Balance: $25,000-$249,999.99; Standard APY
Last Updated 11/05/2026
Rate History
No change since Oct 28, 2026 · 0.10% APY · checked 3 times
0.00%0.30%0.60%Oct 28, 2026: 0.10% APYOct 28, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.50%
Money Market Account - 0.07%
Min Deposit $2,500
Min Balance $0
Details Balance: $0.01-$9,999.99; Standard APY
Last Updated 11/05/2026
Rate History
No change since Oct 28, 2026 · 0.07% APY · checked 3 times
0.00%0.29%0.57%Oct 28, 2026: 0.07% APYOct 28, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.50%
Money Market Account - 0.07%
Min Deposit $2,500
Min Balance $10,000
Details Balance: $10,000-$24,999.99; Standard APY
Last Updated 11/05/2026
Rate History
No change since Oct 28, 2026 · 0.07% APY · checked 3 times
0.00%0.29%0.57%Oct 28, 2026: 0.07% APYOct 28, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.50%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.
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Financial Health History

Midland States Bank’s Texas Ratio rose from 6.63% in Q3 2023 to 9.50% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 7% 2.0★ 15% 3.0★ 22% 4.0★ 30% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 6.63% A Q3 2023 A Q4 2023 A Q1 2024 A Q2 2024 A Q3 2024 B+ Q4 2024 B Q1 2025 A Q2 2025 A Q3 2025 A Q4 2025 A Q1 2026 9.50% A Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$6.7B9.50%5.0A
March 31, 2026$6.5B9.22%5.0A
December 31, 2025$6.5B10.34%5.0A
September 30, 2025$6.9B10.76%5.0A
June 30, 2025$7.1B11.86%5.0A
March 31, 2025$7.3B21.99%4.4B
December 31, 2024$7.5B18.85%4.7B+
September 30, 2024$7.7B13.60%5.0A
June 30, 2024$7.7B13.76%5.0A
March 31, 2024$7.8B13.65%5.0A
December 31, 2023$7.8B7.56%5.0A
September 30, 2023$7.9B6.63%5.0A
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Midland States Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Midland States Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Midland States Bank's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Midland States Bank
Website https://www.midlandsb.com
Address 1201 Network Centre Dr, Effingham, IL 62401  ·  Effingham
Bank Holding Company MIDLAND STATES BCORP INC
FDIC Certificate # 1040
Regulator FED
Established January 1, 1881
FDIC Insurance Date January 1, 1934
Domestic Offices 60
Total Branches 60
FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (95/100)
Texas Ratio
9.50%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.2214%
Return on Equity (ROE)
13.1800%
Non-Performing Loans Ratio (NPL)
0.91%
Total Assets
$6,691,838,000
Total Deposits
$5,721,115,000
Equity Capital
$612,821,000
Net Income
$40,172,000
Headquarters
Effingham
Total Branches and Offices
60
Source: FDIC — Last Updated June 30, 2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Midland States Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/banks/midland-states-bank-rates-review-1026">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Midland States Bank yet. Feel free to create one below.
Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
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Total Reviews
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Frequently Asked Questions About Midland States Bank

What is the highest money market rate at Midland States Bank?

The highest Midland States Bank money market rate is its Money Market Account - Relationship at 3.25% APY, verified by MonitorBankRates as of November 5, 2026.

How many branches does Midland States Bank operate?

Midland States Bank currently maintains approximately 60 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Midland States Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Midland States Bank provides members with tools to manage their accounts and build a solid financial history.

Does Midland States Bank offer online and mobile banking?

Most modern institutions like Midland States Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.midlandsb.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Midland States Bank rates compare?

Midland States Bank's money market rates are 347% higher than the MonitorBankRates national average, and it has an A health rating. Midland States Bank's top rate is its Money Market Account - Relationship at 3.25% APY, verified by MonitorBankRates on November 5, 2026.

Current Midland States Bank Rates

  • MMA3.25%
Retrieved from our database of financial products. Rates subject to change.

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